Nst october

Justforme

Evening all, I did pop in end of last month amd ask to join in but then got totally overwhelmed with restarting our debt smashing journey. Could I join in for October please, I love everything I have read about the challenge so far.

misstara

Sorry to hear that thrifty.

My plans for October

mothernerd wrote: »

House Stark's words are

WINTER IS COMING

Before the Start of the Month You MUST
Set Your BUDGET for the Month - done
AUDIT your Cupboards, Fridge and Freezer - I go home on Friday so will do this once I get home. OH has been fending for himself since the start of August so not sure what I'm going to find :rotfl:
Make a MEAL PLAN starting with what you have in (unless you have already started to put things aside for a special occasion - again will do on Friday
Plan for the MONTH - what is happening, what commitments, appointments, celebrations, once a year bills are coming up - wedding, 2 birthdays, MOT and a few catchups with friends who I haven't seen since getting out of hospital

House Lannister's words are

HEAR ME ROAR

You must PAY to YOUR DEBTS or SAVINGS FIRST and live on what is left - made a payment to the debt
INCREASE your income if possible unfortunately I can't do shifts for 2nd job or overtime during October but will try to earn some extra cash through doing surveys
REDUCE your outgoings eg by using own brand products or changing your supermarket? - will try
LOOK for any free activities or events in your area- planning to have a look later

House Martell's words are

UNBOWED UNBENT UNBROKEN

Introduce ONE HABIT to improve your health I'm currently trying to put on weight so I have been eating quite a lot of unhealthy food. I want to focus on healthy eating and getting lots of fruit/veg


House Reed's words are

HEARTH, HEART and HARVEST

Make a FROG LIST - try to tackle one a day - still on sick leave during October and will have lots of time so no excuses not to get some things crossed off the list
CONTINUE to SIMPLIFY your life, RELEASE unwanted possessions and REDUCE things that cause you stress - planning a sort out of clothes
DONATE - time, goods or money - will donate to the foodbank

You will aim for 15 No Spend Days.- will do

dolly84

Sorry to hear about your work situation thrifty.

apple_muncher

misstara - hope going back home is good for you!


thrifty - gulp. Good luck with job hunting.


greent - can't believe your nephew is going to be 2 already!

Purplesocks

I
BUDGET
monthly food shop £280
Weekly money £50 ( reduced from £60 for this challenge)
Clothes £25
Any money not used will go savings/debt
AUDIT done still trying to figure out why I have 4 different chilli sauces open
PLAN a quiet month the only birthday is on the 1st and present has already been delivered. Dh and Ds have flu jabs on the 12th.

90DAYS FOCUS
to successfully complete stoptober
10 mins light exercise a day.
Stock to a sleeping routine
��

PAY DEBTS/ TO SAVINGS FIRST
my personal credit card £60 paid
loan goes out on the 1st
savings will pay to when all housekeeping has been given and bills paid
any savings from budgets will also be added
REDUCE OUTGOINGS
will be shopping in a different supermarket
use Iceland online code
MEND, MAKE, MAKE DO
repair draw fronts
sew buttons on coat

90 DAYS FOCUS
CUT UNNECESSARY SOCIALISING - unavoidable events
- I have a concert ticket for a friends birthday in November, will avoid going out for dinner,just a few drinks
-Ds birthday so will go out for dinner
-work function, I missed this last year because of Ds health problems so need to show my face this year.
CUT SCREEN TIME
I have already stopped using iPad an hour before bed to aid sleeping, will reduce further
BE MINDFUL, MEDITATE,READ OR JUST SPEND TIME WITH NATURE & Candlelight
instead of having alcohol to relax, I am going to use some of my special bubble bath and have a lazy bath by candlelight.
Avoid reading on kindle and read proper books instead, I am currently on the waiting list at my local library for Michelle Obama’s Becoming.
I hate nature and live in the South West where the weather is always awful this time of year, so I will be a hibernating turtle.




KEEP GOING
this is what attracted me to this challenge “ we may slip we don’t quit”
LOOK AFTER YOURSELF

90 DAY FOCUS
INTRODUCE ONE HABIT TO IMPROVE YOUR HEALTH
10 minute gentle exercise a day
DO SOMETHING FOR YOU EACH DAY
BE KIND

crazy_cat_lady

I actually have quite a busy October ahead of me. I have a few social events including 2 work nights out, a weekend away and half term. Plus I've just arranged to take the kids to see my ex's family who live away. Just going overnight, and staying in a hotel as well. So as the big December festival is coming up I need to be more frugal than I've ever been. I have organised the month as best as I can and everything is crossed that I can survive it. Good news is that it has mostly been paid for in advance. I can get through this.
Wearing my GoT Stark pyjamas - fully embracing the challenge...

mothernerd

A little early but it's nearly time to turn the laptop off.


A few Dave Ramsey quotes to start


A BUDGET is telling your money where to go instead of wondering where it went



If you can't pay CASH you can't afford it.


Doing a Budget means learning an ancient and powerful word. NO


You can't get out of debt whilst keeping the same lifestyle that got you there. Cut out everything but the basics.




A little turtle wisdom
Try to be like the turtle - at ease in your own shell


Turtle - a symbol of longevity, turtles survived extinction when the dinosaurs didn't. Some live up to 200 years - without appearing to age at all. How? By never rushing life and at the first sign of stress, heading in to the quiet comfort of their custom mobile homes.


Live fully in the season you are in

Chrystal

Can I join in please? I need to try and get my life in some kind of order!

LINKYPIE2009

I’d like join please - have never watched GOT so unsure of where I sit.....maybe a little of all....will undertake the tasks......and report back.

[Deleted User]

(Greent I have just copied and edited your post to fit my goals, I'm useless at filling in the long posts :rotfl: )

Set Your BUDGET for the Month - £60 for petrol, £100 for food (we are away the last week of October so will not need fuel or food) £250 holiday spending money (don't plan to touch all of this, but good to know I could)
AUDIT your Cupboards, Fridge and Freezer - Challenge for this evening, there is definitely plenty there...!
Plan for the MONTH - what is happening, what commitments, appointments, celebrations, once a year bills are coming up. - Nan's 70th birthday, so one or two presents on top of the one I have ordered, and have some money set aside for the meal. Stepdad's birthday but card and gift already sent over. Need to pick up a card for OH's nephew, but have all week to do that. Oh, and Spain at the end of the month (have a budget for holiday spending money)

For the Next Ninety Days
SET some goals. Break them down into Monthly and Weekly targets. - pay off all of my debt! Sort Christmas without adding to/getting into debt! Carve some pumpkins for the first time, and have the house looking spooky in October and festive in December :j

You must PAY to YOUR DEBTS or SAVINGS FIRST - Manual debt payments done, DD's will come out over the next week or so, savings and final manual debt payments/clearances happen on the 14th
INCREASE your income if possible - Doing as many hours of work as possible online
REDUCE your outgoings - 100% bringing lunch to work everyday, and not wasting money there
Can you MEND, MAKE or MAKE DO instead of Buying? - planning to use up stores of various bits and bobs (food, cleaning stuff, baking ingredients) where possible rather than buying anything new

For the Next 90 Days
CUT out any unnecessary socialising - I don't go anywhere :rotfl: :rotfl:
CUT Screen Time - I have puzzles and books I am going to spend more time doing that watching tv
Be Mindful, Meditate, Read or just spend time with Nature - going to try to do a short yoga session 1 or 2 times a week (from YouTube)

For the Next 90 Days
Introduce ONE HABIT to improve your health - trying Yoga, and remembering to take my vitamins and my meds
Do something FOR YOU each day - will think on this
BE KIND always (everyone you meet is carrying some burden)

Concentrate on the THINGS THAT MATTER, your home and loved ones, health and happiness.
Make a FROG LIST - try to tackle one a day. - will do
CONTINUE to SIMPLIFY your life, RELEASE unwanted possessions and REDUCE things that cause you stress. - will try!
DONATE - time, goods or money - will fill any charity bags that come through the letterbox
BE GRATEFUL - will start listing three things a day I am grateful for

For the Next 90 Days
Think about what really matters to you - being happy and healthy, and those around me too.
What can you do to get closer to living the life you have always wanted? - pay off my debt!